What do I need to apply for a credit card? The documents required are:

a job letter, not more than 3 months old

your most recent salary slip

two (2) forms of identification

proof of address e.g. utility bill (TSTT, TTEC, WASA)

What is the qualifying salary, annual fee, interest rate?

Generally these 3 factors differ based on the type of credit card. Please see below for more information.

Qualifying Salary

Annual Fee

Interest Rate

First Citizens 2 in 1 Credit Card

TT$3,500

TT$250

1.25% monthly on purchases between $5,000 to $8,000

1.30% monthly on purchases between $8,001 to $15,000

2% monthly on revolving line of credit

First Citizens PINK

TT$2,500

TT$100

2% monthly

VISA Tertiary

NA

TT$75

1.75% monthly

VISA Classic

TT$2,500

TT$145

2% monthly

VISA Gold

TT$8,000

TT$200

2% monthly

VISA Platinum

TT$18,000

TT$450

2% monthly

Vacation Lifestyle MasterCard

TT$4,000

TT$200

2% monthly

Vacation Lifestyle Gold MasterCard

TT$8,000

TT$300

2% monthly

What determines if my application is approved or not?

An overall credit assessment takes place, taking into consideration several factors before determining if an application is approved or not. Key factors considered are your ability to service and credit history.

What determines my credit limit?

The credit assessment determines the credit card limit you will receive.

Do I need to bank with First Citizens to get a credit card?

No, you need not be a First Citizens customer to obtain a First Citizens credit card. You will be assessed on your financial position and history, not who you bank with.

How long does it take for my application to be processed?

The application process is two (2) weeks from the date of receiving all the required documents together with the signed application form.

How do I sign up for the First Citizens Online Banking and Telebanking Services?

Go to: Online Banking

Call 62-FIRST

Visit any First Citizens branch

Is there a cut off time to make payments?

Yes. Once your payment is made on time* the payment will be updated overnight. If payment is made after the cut off payment time, the payment will update the following night. If the payment is made after the cut off time on Friday, the payment will be updated on Monday night.

* Monday – Thursday - by 3pm * Friday - by 4.15pm

What kind of reward programs are there on the First Citizens credit cards?

Our reward programs are as diverse as our cards themselves.

Bonus points program – this program is attached to our VISA suite of cards and gives the customers the opportunity to redeem bonus points certificates at hundreds of merchants throughout Trinidad and Tobago in exchange for desired goods and services.

Ultra Rewards – this program is attached to the First Citizens VISA Platinum/VISA Signature credit cards and allow the customer to earn points which can be redeemed for travel rewards anywhere worldwide, from anywhere worldwide. Rewards can be airline tickets to any destination on any airline, stays at hotels and resorts and just about any other travel reward.

Vacation Rewards – this program is attached to the First Citizens Vacation Lifestyle MasterCard and Vacation Lifestyle MasterCard Gold, and allows the customer to earn points which can be redeemed via local participating travel agencies for airline tickets on any airline and cruises.

Cash Back Rewards – this program is attached exclusively to our VISA Pink credit card and gives customers the opportunity to receive cash back rewards on purchases done throughout the month.

What are the operational fees and charges on the First Citizens credit cards?

Fees & Charges

Annual fee

Additional cards

Replacement cards

Late payment

Immediate access

Over the limit

Cash advance

VISA Tertiary

TT$75

TT$75

TT$50

10% of amount past due, subject to a minimum of TT$35

TT$35

4% of the excess amount, minimum of TT$35

3% of the cash advance

VISA Classic

TT$145

TT$75

TT$50

VISA PINK

TT$100

TT$75

TT$50

VISA

“2 in 1”

TT$250

NA

TT$100

VISA Gold

TT$200

TT$100

TT$50

5% of amount past due, subject to a minimum of TT$50

VISA

Gold Business

TT$200

TT$100

TT$50

VISA Platinum

TT$450

TT$275

TT$100

VISA Signature

TT$600

TT$275

TT$100

Vacation Lifestyle MasterCard Standard

TT$200

TT$100

TT$100

10% of amount past due, subject to a minimum of TT$35

Vacation Lifestyle MasterCard Gold

TT$300

TT$150

TT$100

5% of amount past due, subject to a minimum of TT$50

Please note that fees and charges are subject to change from time to time at the Bank’s discretion.